Does Root insurance work in my state?

Root operates in 38 states as of 2026, primarily covering the eastern and central United States plus California, Texas, and several western states. Check Root's website for your specific state availability. Geico, conversely, is available in all 50 states and DC.

How much can I save with Root's telematics program?

Safe drivers using Root's mobile app monitoring typically save 15-25% compared to traditional insurers. Savings depend on your driving behavior, with better premiums awarded for safe habits like smooth acceleration, minimal phone use while driving, and daytime driving.

What's the difference between Root and Geico's claims process?

Root processes claims in 3-5 business days through its mobile app, while Geico typically completes claims in 1-2 business days with options for phone, online, or in-person submission. Geico's established infrastructure allows faster processing.

Can I bundle home and auto insurance with Root?

No, Root currently offers auto insurance only and does not provide home, life, or umbrella coverage bundling. Geico offers extensive bundling across auto, home, life, and umbrella policies, which can save bundled customers up to 25%.

Is Root's telematics program mandatory?

Yes, Root requires the use of its mobile app for continuous driving monitoring to calculate personalized rates. Geico's telematics program (DriveEasy) is optional and provides discounts for those who consent to monitoring, but it's not required for coverage.

Root vs Geico

Updated May 23, 2026

Root

Tech-driven auto insurer using smartphone telematics to offer personalized, usage-based rates for safe drivers.

Young, tech-savvy drivers with clean records seeking maximum savings and willing to use telematics monitoring.

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Geico

Major insurance subsidiary of Berkshire Hathaway offering comprehensive coverage with strong customer support.

Drivers seeking broad coverage options, nationwide availability, fast claims service, and established insurer reliability.

Short Answer

Root is a mobile-first, AI-powered insurance startup targeting tech-savvy drivers with usage-based pricing, while Geico is an established national insurer offering competitive rates through traditional and digital channels. Root typically offers lower premiums for safe drivers, but Geico provides broader coverage options and faster claims processing.

Our Verdict

Root excels for young, tech-savvy, safe drivers seeking maximum savings through behavioral monitoring, while Geico remains the better choice for those wanting broad coverage options, nationwide availability, and established customer service. The choice depends on whether you prioritize innovative savings mechanisms (Root) or traditional reliability and bundling flexibility (Geico).

Root8

7Geico

Choose Root if

Young, tech-savvy drivers with clean records seeking maximum savings and willing to use telematics monitoring.

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Key Differences at a Glance

🔹

Founded & Establishment: Geico wins (1936 (Fortune 500) vs 2015 (startup))

🔹

Primary Business Model: Usage-based, telematics-driven vs Traditional direct writer

🔹

Mobile App Priority: Root wins (Core to operations vs Secondary to website/phone)

See all 8 differences

Key Facts & Figures

Metric	Root	Geico	Diff
Average Annual Premium (Safe Driver)(USD)	$892	$1,247	-28%
States Available(count)	38 states	51	-25%
Mobile App Rating(Stars)	4.7

Key Differences

Root

Attribute

Geico

2015 (startup)

Founded & Establishment

1936 (Fortune 500)🏆

Usage-based, telematics-driven

Primary Business Model

Traditional direct writer

Core to operations🏆

Mobile App Priority

Secondary to website/phone

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Last updated: May 23, 2026AI generated

Founded & Establishment

Root

2015 (startup)

Geico

1936 (Fortune 500)🏆

Primary Business Model

Root

Usage-based, telematics-driven

Geico

Traditional direct writer

Mobile App Priority

Root

Core to operations🏆

Geico

Secondary to website/phone

Average Premium Savings

Root

15-25% for safe drivers🏆

Geico

5-15% with discounts

Claims Processing Speed

Root

3-5 business days

Geico

1-2 business days🏆

Customer Service Availability

Root

Mobile app + limited phone

Geico

24/7 phone, online, app🏆

Market Presence

Root

38 states (as of 2026)

Geico

All 50 states + DC🏆

Bundling Options

Root

Auto only (expanding)

Geico

Auto, home, life, umbrella🏆

Full Comparison

Attribute	Root	Geico

Average Annual Premium (Safe Driver)(USD)	$892	$1,247
Bundle Discount Available(yes/no)	No (auto only)	Yes (up to 25%)
Average Rate vs National Average	Below national average with superior discounts	—
Average Annual Premium(relative to national average)	$2,053 per year	—
Minimum Coverage Monthly Rate(USD)	$66	—
Show 3 more attributes Full Coverage Annual Cost(USD) $2,053 — Average Annual Premium(USD) $1,400 — Average Auto Insurance Premium (Annual)(USD) $1,380 —

States Available(count)	38 states	51

Mobile App Rating(Stars)	4.7	4.3/5

Average Claims Processing Time(business days)	4 days	1.5 days

Customer Service Hours(hours per day)	Limited (app-based)	24/7
Customer Service Channels(count)	Phone, Local Agents, Chat, Mobile App	—

Telematics Program Offered(yes/no)	Yes (mandatory)	Yes (optional - DriveEasy)

Quote Generation Time(minutes)	2 minutes	10 minutes
Quote Completion Time(minutes)	4	—

National Company Ranking (2026)	#4	—

Q1 2026 Net Income(billions USD)	Not disclosed at comparable detail	—

Combined Ratio (Claims Efficiency)(%)	Not publicly comparable	—

Premium Growth Rate (2026)(%)	Market standard growth	—

Gender Rate Variance (Widest Gap)(percentage point difference)	Men 13.6% vs Women 10.3% = 3.3 point gap	—

Telematics/Usage-Based Program	Limited traditional monitoring programs	—

Rate Stability (2026)	Significant increases (700k+ Florida customers April 2026)	—

2025 Net Income(billion USD)	Not publicly disclosed separately	—
Rate Reductions Announced 2026(customers affected)	Limited announcements	—

Available Discounts(count)	More comprehensive	—
Accident/DUI Rate Premium Increase(percentage)	Standard pricing	—

Geographic Coverage(states)	All 50 states	—
Coverage Types Available(number of categories)	Auto Insurance Only	—
Number of Coverage Types(types)	1 (auto only)	—
Available Coverage Types(count)	6 types	—

Service Model(null)	Digital-only	—

Claims Processing(null)	Fully digital	—
Customer Satisfaction Rating(relative ranking)	4.3 out of 5	—

Overall Customer Rating(stars)	3.9 out of 5	—
WalletHub Editor Rating(stars)	4.4 out of 5	—
Customer Rating(stars)	4.5 out of 5	—

Telematics Rate Increase Risk(risk level)	Can increase at renewal	—
Gap Insurance Availability(boolean)	Not offered	—
Pay-Per-Mile Coverage(boolean)	Not available	—
New-Car Replacement Coverage(boolean)	Not offered	—

Distribution Channels(types)	Online, phone, mobile app	—

Membership Eligibility	All drivers	—

Premium Reduction Rate (2026)(percentage of members)	Stable competitive pricing	—
Number of Discounts(count)	27	—

Mental Market Share (MMS)(percentage)	~12%	—

Loan Rate Competitiveness	Auto-only (N/A)	—

Home/Auto Bundling Discount	Not available	—
Maximum Safe Driver Discount(percent)	Multiple offers	—
Number of Available Discounts(count)	15	—

WalletHub Rating(stars)	4.3 out of 5	—

Years in Business(years)	85+	—

Market Presence (MMS)(percent)	~12%	—

Average Annual Premium (Auto Insurance)(USD)	$950	—

States Served(count)	50 states + DC	—

Coverage Types Offered(count)	Auto, Home, Life, Umbrella, RV, more	—

Founded Year(Year)	1936	—

Quote Processing Time(minutes)	7	—
Policy Approval Time(hours)	24-48	—

Credit Check Required	Yes (standard)	—

Customer Satisfaction Score(Score)	4.1/5	—

Claims Processing Time(Hours)	6	—

Agent Availability(hours per week)	24/7 with local agents	—

Root

Geico

Average Annual Premium (Safe Driver)(USD)

$892

$1,247

Bundle Discount Available(yes/no)

No (auto only)

Yes (up to 25%)

Average Rate vs National Average

Below national average with superior discounts

—

Average Annual Premium(relative to national average)

$2,053 per year

—

Minimum Coverage Monthly Rate(USD)

$66

—

Show 3 more attributes

Full Coverage Annual Cost(USD)

$2,053

—

Average Annual Premium(USD)

$1,400

—

Average Auto Insurance Premium (Annual)(USD)

$1,380

—

States Available(count)

38 states

Mobile App Rating(Stars)

4.7

4.3/5

Average Claims Processing Time(business days)

4 days

1.5 days

Customer Service Hours(hours per day)

Limited (app-based)

24/7

Customer Service Channels(count)

Phone, Local Agents, Chat, Mobile App

—

Telematics Program Offered(yes/no)

Yes (mandatory)

Yes (optional - DriveEasy)

Quote Generation Time(minutes)

2 minutes

10 minutes

Quote Completion Time(minutes)

—

National Company Ranking (2026)

—

Q1 2026 Net Income(billions USD)

Not disclosed at comparable detail

—

Combined Ratio (Claims Efficiency)(%)

Not publicly comparable

—

Premium Growth Rate (2026)(%)

Market standard growth

—

Gender Rate Variance (Widest Gap)(percentage point difference)

Men 13.6% vs Women 10.3% = 3.3 point gap

—

Telematics/Usage-Based Program

Limited traditional monitoring programs

—

Rate Stability (2026)

Significant increases (700k+ Florida customers April 2026)

—

2025 Net Income(billion USD)

Not publicly disclosed separately

—

Rate Reductions Announced 2026(customers affected)

Limited announcements

—

Available Discounts(count)

More comprehensive

—

Accident/DUI Rate Premium Increase(percentage)

Standard pricing

—

Geographic Coverage(states)

All 50 states

—

Coverage Types Available(number of categories)

Auto Insurance Only

—

Number of Coverage Types(types)

1 (auto only)

—

Available Coverage Types(count)

6 types

—

Service Model(null)

Digital-only

—

Claims Processing(null)

Fully digital

—

Customer Satisfaction Rating(relative ranking)

4.3 out of 5

—

Overall Customer Rating(stars)

3.9 out of 5

—

WalletHub Editor Rating(stars)

4.4 out of 5

—

Customer Rating(stars)

4.5 out of 5

—

Telematics Rate Increase Risk(risk level)

Can increase at renewal

—

Gap Insurance Availability(boolean)

Not offered

—

Pay-Per-Mile Coverage(boolean)

Not available

—

New-Car Replacement Coverage(boolean)

Not offered

—

Distribution Channels(types)

Online, phone, mobile app

—

Membership Eligibility

All drivers

—

Premium Reduction Rate (2026)(percentage of members)

Stable competitive pricing

—

Number of Discounts(count)

—

Mental Market Share (MMS)(percentage)

~12%

—

Loan Rate Competitiveness

Auto-only (N/A)

—

Home/Auto Bundling Discount

Not available

—

Maximum Safe Driver Discount(percent)

Multiple offers

—

Number of Available Discounts(count)

—

WalletHub Rating(stars)

4.3 out of 5

—

Years in Business(years)

85+

—

Market Presence (MMS)(percent)

~12%

—

Average Annual Premium (Auto Insurance)(USD)

$950

—

States Served(count)

50 states + DC

—

Coverage Types Offered(count)

Auto, Home, Life, Umbrella, RV, more

—

Founded Year(Year)

1936

—

Quote Processing Time(minutes)

—

Policy Approval Time(hours)

24-48

—

Credit Check Required

Yes (standard)

—

Customer Satisfaction Score(Score)

4.1/5

—

Claims Processing Time(Hours)

—

Agent Availability(hours per week)

24/7 with local agents

—

Full Comparison

Attribute	Root	Geico

Average Annual Premium (Safe Driver)(USD)	$892	$1,247
Bundle Discount Available(yes/no)	No (auto only)	Yes (up to 25%)
Average Rate vs National Average	Below national average with superior discounts	—
Average Annual Premium(relative to national average)	$2,053 per year	—
Minimum Coverage Monthly Rate(USD)	$66	—
Show 3 more attributes Full Coverage Annual Cost(USD) $2,053 — Average Annual Premium(USD) $1,400 — Average Auto Insurance Premium (Annual)(USD) $1,380 —

States Available(count)	38 states	51

Mobile App Rating(Stars)	4.7	4.3/5

Average Claims Processing Time(business days)	4 days	1.5 days

Customer Service Hours(hours per day)	Limited (app-based)	24/7
Customer Service Channels(count)	Phone, Local Agents, Chat, Mobile App	—

Telematics Program Offered(yes/no)	Yes (mandatory)	Yes (optional - DriveEasy)

Quote Generation Time(minutes)	2 minutes	10 minutes
Quote Completion Time(minutes)	4	—

National Company Ranking (2026)	#4	—

Q1 2026 Net Income(billions USD)	Not disclosed at comparable detail	—

Combined Ratio (Claims Efficiency)(%)	Not publicly comparable	—

Premium Growth Rate (2026)(%)	Market standard growth	—

Gender Rate Variance (Widest Gap)(percentage point difference)	Men 13.6% vs Women 10.3% = 3.3 point gap	—

Telematics/Usage-Based Program	Limited traditional monitoring programs	—

Rate Stability (2026)	Significant increases (700k+ Florida customers April 2026)	—

2025 Net Income(billion USD)	Not publicly disclosed separately	—
Rate Reductions Announced 2026(customers affected)	Limited announcements	—

Available Discounts(count)	More comprehensive	—
Accident/DUI Rate Premium Increase(percentage)	Standard pricing	—

Geographic Coverage(states)	All 50 states	—
Coverage Types Available(number of categories)	Auto Insurance Only	—
Number of Coverage Types(types)	1 (auto only)	—
Available Coverage Types(count)	6 types	—

Service Model(null)	Digital-only	—

Claims Processing(null)	Fully digital	—
Customer Satisfaction Rating(relative ranking)	4.3 out of 5	—

Overall Customer Rating(stars)	3.9 out of 5	—
WalletHub Editor Rating(stars)	4.4 out of 5	—
Customer Rating(stars)	4.5 out of 5	—

Telematics Rate Increase Risk(risk level)	Can increase at renewal	—
Gap Insurance Availability(boolean)	Not offered	—
Pay-Per-Mile Coverage(boolean)	Not available	—
New-Car Replacement Coverage(boolean)	Not offered	—

Distribution Channels(types)	Online, phone, mobile app	—

Membership Eligibility	All drivers	—

Premium Reduction Rate (2026)(percentage of members)	Stable competitive pricing	—
Number of Discounts(count)	27	—

Mental Market Share (MMS)(percentage)	~12%	—

Loan Rate Competitiveness	Auto-only (N/A)	—

Home/Auto Bundling Discount	Not available	—
Maximum Safe Driver Discount(percent)	Multiple offers	—
Number of Available Discounts(count)	15	—

WalletHub Rating(stars)	4.3 out of 5	—

Years in Business(years)	85+	—

Market Presence (MMS)(percent)	~12%	—

Average Annual Premium (Auto Insurance)(USD)	$950	—

States Served(count)	50 states + DC	—

Coverage Types Offered(count)	Auto, Home, Life, Umbrella, RV, more	—

Founded Year(Year)	1936	—

Quote Processing Time(minutes)	7	—
Policy Approval Time(hours)	24-48	—

Credit Check Required	Yes (standard)	—

Customer Satisfaction Score(Score)	4.1/5	—

Claims Processing Time(Hours)	6	—

Agent Availability(hours per week)	24/7 with local agents	—

Root

Geico

Average Annual Premium (Safe Driver)(USD)

$892

$1,247

Bundle Discount Available(yes/no)

No (auto only)

Yes (up to 25%)

Average Rate vs National Average

Below national average with superior discounts

—

Average Annual Premium(relative to national average)

$2,053 per year

—

Minimum Coverage Monthly Rate(USD)

$66

—

Show 3 more attributes

Full Coverage Annual Cost(USD)

$2,053

—

Average Annual Premium(USD)

$1,400

—

Average Auto Insurance Premium (Annual)(USD)

$1,380

—

States Available(count)

38 states

Mobile App Rating(Stars)

4.7

4.3/5

Average Claims Processing Time(business days)

4 days

1.5 days

Customer Service Hours(hours per day)

Limited (app-based)

24/7

Customer Service Channels(count)

Phone, Local Agents, Chat, Mobile App

—

Telematics Program Offered(yes/no)

Yes (mandatory)

Yes (optional - DriveEasy)

Quote Generation Time(minutes)

2 minutes

10 minutes

Quote Completion Time(minutes)

—

National Company Ranking (2026)

—

Q1 2026 Net Income(billions USD)

Not disclosed at comparable detail

—

Combined Ratio (Claims Efficiency)(%)

Not publicly comparable

—

Premium Growth Rate (2026)(%)

Market standard growth

—

Gender Rate Variance (Widest Gap)(percentage point difference)

Men 13.6% vs Women 10.3% = 3.3 point gap

—

Telematics/Usage-Based Program

Limited traditional monitoring programs

—

Rate Stability (2026)

Significant increases (700k+ Florida customers April 2026)

—

2025 Net Income(billion USD)

Not publicly disclosed separately

—

Rate Reductions Announced 2026(customers affected)

Limited announcements

—

Available Discounts(count)

More comprehensive

—

Accident/DUI Rate Premium Increase(percentage)

Standard pricing

—

Geographic Coverage(states)

All 50 states

—

Coverage Types Available(number of categories)

Auto Insurance Only

—

Number of Coverage Types(types)

1 (auto only)

—

Available Coverage Types(count)

6 types

—

Service Model(null)

Digital-only

—

Claims Processing(null)

Fully digital

—

Customer Satisfaction Rating(relative ranking)

4.3 out of 5

—

Overall Customer Rating(stars)

3.9 out of 5

—

WalletHub Editor Rating(stars)

4.4 out of 5

—

Customer Rating(stars)

4.5 out of 5

—

Telematics Rate Increase Risk(risk level)

Can increase at renewal

—

Gap Insurance Availability(boolean)

Not offered

—

Pay-Per-Mile Coverage(boolean)

Not available

—

New-Car Replacement Coverage(boolean)

Not offered

—

Distribution Channels(types)

Online, phone, mobile app

—

Membership Eligibility

All drivers

—

Premium Reduction Rate (2026)(percentage of members)

Stable competitive pricing

—

Number of Discounts(count)

—

Mental Market Share (MMS)(percentage)

~12%

—

Loan Rate Competitiveness

Auto-only (N/A)

—

Home/Auto Bundling Discount

Not available

—

Maximum Safe Driver Discount(percent)

Multiple offers

—

Number of Available Discounts(count)

—

WalletHub Rating(stars)

4.3 out of 5

—

Years in Business(years)

85+

—

Market Presence (MMS)(percent)

~12%

—

Average Annual Premium (Auto Insurance)(USD)

$950

—

States Served(count)

50 states + DC

—

Coverage Types Offered(count)

Auto, Home, Life, Umbrella, RV, more

—

Founded Year(Year)

1936

—

Quote Processing Time(minutes)

—

Policy Approval Time(hours)

24-48

—

Credit Check Required

Yes (standard)

—

Customer Satisfaction Score(Score)

4.1/5

—

Claims Processing Time(Hours)

—

Agent Availability(hours per week)

24/7 with local agents

—

Root vs Geico

Root

Geico

Short Answer

Our Verdict

Track this comparison

Key Differences at a Glance

Key Facts & Figures

Key Differences

Related Comparisons

Explore Entities

Browse Categories

People Also Compare

Full Comparison

Visual Comparison

Pros & Cons

Root

Pros

Cons

Geico

Pros

Cons

Frequently Asked Questions

Resources & Learn More

Learn More

Wikipedia

Videos

Full Comparison

Visual Comparison

Root vs Geico

Root

Geico

Short Answer

Our Verdict

🔔Track this comparison

Key Differences at a Glance

Key Facts & Figures

Key Differences

Related Comparisons

Explore Entities

Browse Categories

People Also Compare

Full Comparison

Visual Comparison

Pros & Cons

Root

Pros

Cons

Geico

Pros

Cons

Frequently Asked Questions

Resources & Learn More

Learn More

Wikipedia

Videos

Full Comparison

Visual Comparison

Track this comparison